7 Things

Judy from We may be poor, but we are happy did a post today about 7 things. 

7 things you can’t give up, 7 things that are hard to give up and 7 things I have already given up.

Here are mine :0)

Things I can’t give up.
1. 2nd car. With our schedule we need 2 cars.
2. Cell phones.
3. Our 1 year anniversary trip. We will however do it very cheaply.
4. B going to school.
5. Internet
6. I have no idea about the other 2
7.

Things I could live without if I had to.
1. Going out to eat. We don’t go out often, but living with your in laws you need some time to yourself. It seems like when we go out to eat is the only time we really get to feel like a normal couple.
2. B’s motorcycle
3. My laptop. We have B’s desktop.
4. Extra spending even though I don’t spend that much extra
5. Cable. We don’t pay for it at his parents so that nice.
6. Beer for B and wine for me.
7. Fruit

Things I have given up
1. Bachelor and bachelorette party for my sister-in-law.
2. Netflix
3. Shopping whenever I want.
4. A trip to West Virginia University to go tailgating with friends I havent seen since our wedding :0(
5. Time- Once I get a second job I will be giving up a lot of time so I can work more
6. Space- Living with my in-laws…enough said.
7. Going out to movies, bars or any entertainment.

Doing this activity has actually made me really frustrated. I feel like I have given up so many things the past few months and its never good enough. I can never get ahead…no matter how hard I try. I don’t go out a buy clothes, food and other stuff I don’t need. Yet we can never seem to catch up. I have been really stressed out about money recently and I feel bad for B because I have been taking it out on him. (Sorry love) I’m just so eager to really start our lives together as a married couple living on our own.

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Making Extra Dough

Again with the job hunt. This time I need a part-time job. With B starting school on Monday he will be starting part-time. Which means we will really have to cut back. I don’t know how we can cut back anymore than we already do but we will try.

If im going to have a part-time job its needs to be a fun job. I deal with so much crap at work I really don’t want to go to another job and deal with more crap. I also want a job where I already shop at so I can get a discount. I would love to work in a retail place like Crate and Barrel or Homegoods, rather than Macy’s or Ann Taylor. I like to furnish my home more than myself. B told me I should work the streets. He thinks I could get a lot of money…such a sweetheart :0)

When I get a second job I am really going to dedicate myself to making as much extra money as I can. That extra money is going to savings a paying down credit card. Except for the first check. I already said it was going to buy me and him new clothes. He desperately needs jeans and I need fall work clothes. I told him its my extra money and I get to spend it where I want. ha!  I’m going to drop off some applications around the area the next week. Wish me luck!

 

Moving Up And Out

B and I decided to move in with his parents in February. We live in a very expensive city a few miles away from Washington D.C. We had our own apartment but quickly realized that $1,400 rent for two new professionals right out of college wasnt really cutting it. We were getting by but we wanted more than just “getting by”.

It wasnt really the amount of money we were spending. The issue was how little we got for our money. We lived in a 650 sq. ft. apartment. No balcony and no amenities. We were running out of room and eventually felt trapped in our tiny place. We love the freedom but this area was killing us financially. Everything is so expensive…you dont get much for your money.

Over the course of a few months we racked up around $7,000 in credit card debt. I honestly have no idea how it happened. We were always really good with our money, never spent for things we could afford. Until we got that card. I think we used the wedding and the apartment as an excuse. We used that card to book our honeymoon, buy a couch and many other things.

Before we realized it we were 7 grand in debt with an apartment we couldn’t really afford. Moving in with the in-laws was the hardest, most grown-up choice we ever had to make. It was a big punch in the ego. I think B really took it hard. I think it just made us feel embarrassed, like we can’t be a real married couple who can take care of ourselves.

When we decided to move back home our goal was to save money and pay down our debt. In the past 6 months we have paid off $4,046.74 of our credit card debt and have $3,340.70 left to go. We havent saved much at all but we havent added anymore debt. Anything we have bough within the last 6 months we have had the money for.

I think August and September will be really good months financially for us. I get paid 3 times this month and B has some extra hours owed to him from his job. We don’t really have big travels or big expenses so we will hopefully be able to save a lot.

Our goal is to start looking for our own apartment by the end of september. We are hopefully looking in an area 45 minutes from the city. The location is still on the high side but nowhere near what it is where we are living at now. I have found that rent is around $1,000 for a 1 bedroom apartment. Most of these include a balcony and lots of amenities. Our commute will be a little longer but I have been looking for a job in the area we want to move to for a while now. It’s hard to find a job but hopefully soon something will come up.

I feel so much better about where we are financially. Do we have more money than we did then? No. But we have to tools and the knowledge now. 6 months ago I started reading PF blogs and have learned a lot. They have really motivated me to get our finances back on track. We now know how to set goals for ourself. We know how to save and how to spend our money wisely.

I am so grateful for everything my in-laws have done for us….but now it is time for us to be on our own.

Sucker For A Good Time

B and I are DINKS (double income no kids) We really have nothing tying us down. We can basically do whatever we want. If we want to go out to eat…we can do that. If we want to take a road trip…we can do that. If we want to sleep in till noon on a saturday…we can do that.

Does it mean we actually can? No. As much as I would love to go out to eat twice a week and meet friend for happy hour we can’t afford it right now. Where do you find that balance? B and I don’t buy expensive things, we don’t own super nice cars and I can’t remember the last time we went out to eat just the two of us. The last time I went shopping for myself I spent $35 on 5 articles of clothes on sale at the GAP. I was on cloud 9 but still felt guilty for spending $35. We have the luxury of being free from mortgage and kids but what good is it if you can’t afford to do anything.

When I was in college I was a sucker for a good time. I never really watched what I spent. I never really save anything but never was really broke. I worked in a restaurant so if I was a little low on cash I would pick up an extra shift. I was in a sorority so there was always things to do and dues to pay. I always had a friend who would go to the bar or the movies or shopping.

After college you should have the time of your life. Not blogging about how you can’t afford to go to the movies. I really hope I am just in a slump now. It’s just hard seeing others doing things you want to do.